Credit Card Processing Solutions
Top Companies in 2024
Adyen vs Stripe
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- Global reach
- International credit card processing services
- No monthly fees
- Affordable and portable chip reader
- Cross-border payment options for 50+ countries across 135+ currencies
- Transparent prices and fees
- Minimum monthly billing threshold
- Limited industry coverage
- Reports of frozen funds and deactivated accounts
- Lack of transparency on high-risk cases
- Have to pay for "premium" support
Established in 2006 and headquartered in Amsterdam, Adyen is a leading global payment processing company known for simplifying transactions, payment management, and income tracking. With an impressive clientele, including Netflix, McDonald's, and Microsoft, Adyen's payment processing support various payment methods and currencies, fostering a seamless global reach. The company's transparent pricing model, devoid of monthly fees, provides flexibility to businesses of all sizes. Adyen places a strong emphasis on security, holding top industry standards for encryption and PCI DSS compliance. Their two-step fraud prevention process includes authentication barriers and integrated risk management elements, ensuring a secure payment environment. While Adyen boasts a solid score of 4.8 out of 5 on Capterra for their international capabilities, organized user interface, and diverse payment methods, user reviews on Trustpilot reveal a mix of positive and negative experiences.
Stripe is a merchant services provider that offers payment processing solutions for businesses of all sizes. They offer both merchant accounts and related services, including payment gateways, online transaction processing, point-of-sale (POS) systems, and credit card readers. Stripe is a payment processor that allows business owners to accept payment from a variety of methods or sources, including mobile wallets and "buy now, pay later" services. The company offers lots of additional services, including billing, invoicing, and sales tax automation. Stripe is renowned for its straightforward pricing model, where a flat rate is charged per transaction. It is a preferred option for businesses that predominantly operate online, as its distinctive features are primarily tailored toward enhancing online sales. Stripe is accredited with the BBB and has an A+ rating with them, but they have an average review score of 3.1/5 on Trustpilot. Their website offers two service options: an integrated "pay-as-you-go" plan that charges 2.9% +30¢ per card charge or a customized plan that involves interchange-plus pricing for businesses with higher volumes. Prospective clients must contact sales to discuss pricing for the latter plan.
- Customer Experience : Fair
- Money-Back Guarantee : True
- Gift Cards : Undisclosed
- Real-Time Reports : Avaialble
- Transparent Pricing : Unavaialble
- Pricing Model : Fixed processing fee & Interchange plus
- Trustpilot Score : 1.7 out of 5
- BBB Rating : N/R
- Transaction Speed : 24 hours
- Customer Experience : Good
- Gift Cards : Available
- Real-Time Reports : Available
- Transparent Pricing : Available
- Pricing Model : Interchange plus; separate feature rates & charges
- Trustpilot Score : 2.8 out of 5
- BBB Rating : A+
- No contracts
- Diverse payment methods
- International credit card processor (50+ countries)
- Extensive related services & features
- Affordable and portable chip reader
- Targeted solutions for startups & specific industries
- Billing & Invoicing—Undisclosed
- Electronic Receipts—Undisclosed
- Free Hardware—Undisclosed
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing—Undisclosed
- Reporting & Analytics
- Virtual Terminal—Undisclosed
- Billing & Invoicing
- Electronic Receipts
- Free Hardware—Undisclosed
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- Annual Subscription
- Free Trial
- Freemium—Undisclosed
- Monthly Subscription—Undisclosed
- One-Time License
- Annual Subscription—Undisclosed
- Free Trial
- Freemium—Undisclosed
- Monthly Subscription—Undisclosed
- One-Time License—Undisclosed
- Processing Services—Undisclosed
- Accounting Software—Undisclosed
- POS—Undisclosed
- Productivity Software—Undisclosed
- Processing Services
- Accounting Software
- POS
- Productivity Software
- ACH Processing
- Cash Transactions—Undisclosed
- Credit Card Terminals
- Electronic Signature—Undisclosed
- In-Person Payments
- Mobile Payments
- NFC Payments—Undisclosed
- Online Payment Procesing
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- Demos
- —Undisclosed
- FAQs—Undisclosed
- Help Guides
- Live Chat
- Mobile Application—Undisclosed
- Phone—Undisclosed
- Tickets—Undisclosed
- Demos
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets
Stripe vs. Adyen
Payment processing requires intricacy and precision, and the choice of the right provider plays a pivotal role in ensuring seamless financial transactions. Two leading contenders in this industry, Stripe, and Adyen, bring distinct value-added benefits, usability features, and security measures to the table. Understanding their offerings and how they align with specific business requirements is essential for merchants navigating the complexities of modern payment processing.
Value-added benefits
Adyen sets themselves apart from others with a global approach, enabling payments in nearly 100 countries. Through plugin partnerships with significant platforms like Shopify, BigCommerce, and Oracle, they are able to integrate their platform with existing software, increasing versatility seamlessly. Adyen also provides robust insights into payment data, empowering businesses with valuable analytics. Additionally, their platform offers revenue optimization tools, ensuring companies can make informed decisions to maximize their financial potential.
Alternatively, Stripe stands out as a global payment solution by supporting transactions in 135 currencies. Businesses can benefit from a customizable checkout process tailored to their specific needs, facilitating a seamless and user-friendly payment experience. With robust features like recurring billing and surcharging options, Stripe empowers businesses to adapt their payment strategies to various customer preferences. Their platform's capabilities extend to chargeback management tools and transaction monitoring, ensuring effective dispute handling and management.
Usability
Stripe and Adyen offer versatile payment options, ensuring businesses can cater to diverse customer preferences. Both providers seamlessly support online and physical payments, providing a convenient solution for customers. Additionally, they facilitate payments made through digital wallets and have “Buy Now, Pay Later” options, providing flexible payment solutions for merchants.
Adyen can be distinguished by accommodating ACH payments, providing an added layer of flexibility for businesses dealing with electronic fund transfers. On the other hand, Stripe enhances usability through their dedicated iOS and Android SDKs, streamlining the process of accepting mobile payments.
Level of data security
Stripe and Adyen prioritize the security of sensitive financial information, positioning themselves as Level 1 PCI-compliant providers. This signifies their commitment to maintaining the highest security standards in payment processing, giving users confidence in protecting their data. In addition to PCI compliance, they integrate fraud protection tools into their systems, which contribute to the prevention and detection of fraudulent activities.
Moreover, both Stripe and Adyen employ dynamic 3D Secure, an authentication protocol designed to secure high-risk transactions. This feature ensures that transactions deemed potentially risky undergo an additional layer of verification, reducing the likelihood of unauthorized or fraudulent transactions.
Pricing
Adyen implements an interchange plus pricing structure, combining a fixed processing fee and an interchange fee determined by the payment method. The fixed processing fee is $0.13, offering a transparent and predictable transaction cost. Additionally, they charge a fixed fee of $0.13 + $0.27 for their ACH transactions.
On the other hand, Stripe adopts a straightforward pricing model with 2.7% + $0.05 for card-present transactions and 2.9% + $0.30 for online transactions. This simplicity allows businesses to calculate and anticipate their costs for different transaction types.
It's crucial to note that, despite the published pricing, both Adyen and Stripe may offer additional features or services that come with separate fees. We advise you to contact each provider directly for accurate and tailored pricing information.
Conclusion
Businesses should consider their specific needs and priorities when choosing between Stripe and Adyen as the right payment processing partner. Both providers showcase a commitment to global payment solutions, robust security, and user-friendly features. Whether it's Adyen's expansive global reach, revenue optimization tools, and ACH payment support or Stripe's customizable checkout processes, recurring billing, and chargeback management tools, each platform offers a distinctive set of capabilities.
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